General Liability (GL)

• Third-party bodily injury, property damage, and personal/advertising injury
• Typical limits $1M/$2M; higher limits available for larger Idaho projects
• Additional Insured, Primary & Noncontributory, and Waiver of Subrogation for owners, GCs, and the State of Idaho
• Per-Project Aggregate - dedicates a fresh limit to each Idaho job rather than sharing one annual limit
• Products & Completed Operations for claims that surface after project handover

Idaho property owners increasingly require Per-Project Aggregate on renovation work - confirm this endorsement is in place before committing to multiple simultaneous Idaho projects on one policy.

Workers' Compensation

• Required by Idaho law for any contractor with employees - no exceptions for construction trades
• Medical bills, lost wages, and rehabilitation for falls, strains, and equipment-related injuries
• Employers Liability (Coverage B) protects against employee negligence suits
• Owner/officer exclusions available where permitted
• Experience modification and payroll audit support

Accurate trade-based payroll classification is crucial for managing WC premiums for Idaho GCs. The Idaho Department of Labor actively audits contractors - misclassification is a common finding.

Builders Risk (Course of Construction)

• Structures under construction or renovation against fire, theft, vandalism, and weather perils
• Single-project or reporting/blanket options for GCs running multiple Idaho jobs
• Soft costs, delay-in-completion, and Ordinance or Law endorsements available
• Required by most lenders for Idaho ground-up and major renovation financing
• Should extend through Idaho's building department inspection and certificate of occupancy process

Idaho's diverse job sites can increase theft exposure for staged materials - ensure limits are set at full completed value to avoid a coinsurance shortfall after a loss.

Inland Marine (Tools & Equipment)

• Generators, lifts, scaffolding, lasers, and hand/power tools
• Coverage follows equipment to Idaho job sites, in transit, and in storage
• Scheduled and blanket options; covers rented/leased equipment
• Theft from vehicles and jobsites - a frequent loss type on urban projects

Standard Commercial Property only covers tools at your shop address. Inland Marine protects the equipment actively used on Idaho renovations or build-outs - often the GC's largest uninsured gap if overlooked.

Commercial Auto

• Pickups, box trucks, and dump trucks used for material transport
• Liability for accidents on I-84, I-15, and Idaho city streets
• Hired & Non-Owned Auto when employees use personal vehicles for supply runs
• Fleet or single-unit options; certificates issued fast for project start dates

Idaho's rural roads and urban traffic can increase accident frequency for material delivery and crew transport. Confirm HNOA is in place if any employee uses a personal vehicle for parts pickups between Idaho job sites.

Professional Liability / Contractors E&O

• Claims alleging negligent project management, design delegation, or specification errors
• Value-engineering advice that leads to a client dispute or rework cost claim
• Project-specific or annual practice policy options
• Pairs with GL to close the gap for purely financial losses GL doesn't reach

Idaho GCs increasingly take on design-assist or design-build responsibility on tenant improvement and renovation work. Where you're advising on specs or coordinating design decisions, Contractors E&O covers the professional judgment exposure GL excludes.

Commercial Umbrella / Excess Liability

• Extra limits over GL, Auto, and Employers Liability - typically $1M-$25M+
• Often required for municipal, school, healthcare, or high-value Idaho projects
• Meets stringent contract spec requirements that exceed a standalone GL limit
• Cost-effective way to reach the limits larger Idaho contracts specify

A hospital, school, or large commercial tenant improvement project in Idaho can specify $5M-$10M total liability. An umbrella is often more economical than trying to carry that limit entirely on a primary GL policy.

Bonds (License, Bid, Performance & Payment)

• License/Permit Bond required for Idaho contractor registration and permits
• Bid Bond guarantees you'll honor your bid if awarded the contract
• Performance Bond guarantees project completion per contract terms
• Payment Bond guarantees subcontractors and suppliers will be paid
• Required on Idaho public contracts over $100,000

Any Idaho GC bidding on public work will need bid and performance/payment bonds. We arrange bond capacity alongside your insurance program to ensure licensing, permitting, and bid submissions aren't delayed.

Idaho Contractor Registration

Any contractor performing work in Idaho must register with the Division of Building Safety. Registration requires proof of insurance and may involve a license/permit bond. Operating unregistered exposes you to fines and potential legal liabilities.

Idaho Building Permits

All construction work in Idaho requires permits through local building departments, with inspections at each phase. Permit applications typically require a current Certificate of Insurance, and larger projects may require the city named as Additional Insured. Confirm permit status before starting work; unpermitted work can void insurance coverage if a claim arises.

Idaho Public Project Bonding

Public construction contracts in Idaho exceeding $100,000 require performance and payment bonds. GCs pursuing public work need both bonding capacity and compliance with Idaho's prevailing wage laws before bidding.

Idaho Worker Classification

Idaho applies specific tests for determining employee vs. independent contractor status. Many Idaho GCs rely on subcontracted trades; if a "sub" works exclusively for you, they may be reclassified as an employee for Workers' Compensation purposes. This is a common audit finding for Idaho contractors - collect current COIs from every sub and document the independent nature of the relationship.